Saving With Silverman

Hosted by Mark Silverman

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Episodes

230

Latest episode

Aug 2026

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About the show

Welcome to ’Saving With Silverman,’ the ultimate guide to building your wealth and securing your financial future. Hosted by Mark Silverman, a Certified Financial Planner™ in Tucson, AZ, this podcast demystifies the complex world of investing and financial planning. Whether you’re an investing novice or looking to refine your financial strategy, join us for insightful discussions, advice, and actionable tips to navigate the financial landscape with confidence. Tune in to ’Saving With Silverman’ to empower your financial journey and make smarter, more informed decisions with your money.

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60 recent

September 3, 2026Episode 22911 min

Easy Ways To Ruin Retirement

Retirement can be one of life’s most rewarding chapters, but it can also unravel quickly without the right mindset and preparation. Mark highlights several common ways people unintentionally make retirement harder than it needs to be. He explains why a successful retirement requires more than simply leaving work behind. Are your current assumptions setting you up for freedom, or frustration? Here’s what we discuss in today’s show: 🧭 Retirement Mindset: Treat retirement as a new chapter 💸 Spending Reality: Retirement costs may remain surprisingly high 🏃 Stay Active: Movement supports a healthier retirement 📉 Investment Risk: Portfolios should evolve with age 🔄 Plan Flexibility: Financial plans need regular adjustments Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

August 20, 2026Episode 22811 min

Financial Planning for Women: Protect Your Future

Financial planning should never leave one spouse in the dark. In this episode, Mark explains why both partners need to understand the plan, know who to call, and feel comfortable asking questions. He also shares why pressure-driven sales tactics can create serious financial problems later. Is your household prepared for the day one spouse must manage everything alone? Here’s what we discuss in today’s show: 👥 Shared Planning: Both spouses should stay actively involved 🕯️ Widowhood Risks: Financial unfamiliarity creates added vulnerability 🗣️ Ask Questions: Every investment carries important tradeoffs 🧭 Advice First: Planning should come before product sales 🚩 Sales Pressure: High-pressure recommendations deserve immediate caution Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

August 6, 2026Episode 22712 min

Risk Management Through Every Stage of Life

Risk management is not about avoiding every financial risk. It is about understanding which risks are worth taking, which ones could threaten your goals, and how that balance should change as you move through different stages of life. In this episode, Mark explores how retirement decisions evolve from your 30s and 40s through the transition into retirement. He also considers why a financial plan should connect today’s decisions with the income and flexibility you may need later. Here’s what we discuss in today’s show: 🌱 Early Investing: Younger investors have more recovery time ⚖️ Saving Balance: Prepare for retirement without neglecting today 📊 Age-Based Strategy: Adjust investments as your timeline changes 🏁 Retirement Planning: Shift from accumulation toward income needs 🔄 Withdrawal Order: Choose accounts with taxes and timing in mind Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

July 16, 2026Episode 22610 min

Are You Clinging to Retirement False Hope?

Misconceptions about retirement can have a major impact on your financial future. In this episode, Mark tackles some of the most common retirement myths, including the belief that reaching a certain savings number guarantees retirement. You’ll also learn why having a realistic and personalized income strategy is the key to retiring with confidence. Here’s what we discuss in today’s show: ❌ Retirement Myths: Common assumptions that aren't true 📈 Inflation & Taxes: Planning beyond today's dollars 🏡 Lifestyle Expectations: Retirement spending realities 🎯 Realistic Planning: Building a retirement that works ☎️ Take the First Step: Why planning can't wait Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

July 2, 2026Episode 22513 min

Is Your Advisor Truly Working For You?

Finding the right financial advisor isn't just about investment returns; it's about finding someone who understands your goals, communicates clearly, and earns your trust. Mark explains why great financial planning starts with listening instead of selling. Learn what questions every investor should ask before choosing an advisor. If you're wondering whether your current advisor is truly working in your best interest, today’s episode gives you a framework to test it. Here’s what we discuss in today’s show: 🧠 Money & Emotions: Financial decisions are deeply personal ❓ Asking Better Questions: Understanding your financial story 📋 Customized Planning: No cookie-cutter financial advice 💬 Honest Communication: Transparency builds confidence 💰 Advisor Compensation: Know how your advisor gets paid 🏆 Long-Term Relationships: Trust grows over time Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

June 18, 2026Episode 22410 min

When Life Changes, Your Financial Plan Should Too

Life rarely follows a straight line. New jobs, layoffs, inheritances, health challenges, and the loss of a spouse can dramatically change your financial picture, often when you're least prepared for it. Mark discusses several major life transitions that should prompt a financial review and explains the key decisions that often arise during these moments. Having a process in place can help you avoid costly mistakes when life changes unexpectedly. Here’s what we discuss in today’s show: 💼 New Job: Reviewing benefits, savings, and goals 🚪 Layoff or Termination: Evaluating options and next steps 💰 Inheritance: Avoiding taxes and costly mistakes 🏥 Medical Challenges: Preparing for income disruptions ❤️ Loss of a Spouse: Navigating financial decisions together 📋 Comprehensive Planning: Looking beyond investment products Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

June 4, 2026Episode 22310 min

Black Swan Events: What Every Investor Can Learn From Market Crashes

Every investor hopes they'll stay calm during a market downturn. History suggests otherwise. Today, Mark explores some of the most significant "Black Swan" events in modern financial history and explains what investors can learn from each event. While no one can predict when the next Black Swan event will arrive, having a thoughtful financial plan can help you navigate uncertainty with confidence and avoid costly mistakes when fear takes over. Here’s what we discuss in today’s show: 📉 Market History: Lessons from major downturns 🏙️ 9/11 Impact: Uncertainty and market reactions 🏠 2008 Crisis: Housing collapse and recovery 😷 Pandemic Panic: Why staying invested mattered 🎯 Future Planning: Preparing for the unexpected Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

May 21, 2026Episode 2229 min

Mailbag: Loans to Kids, 401(k) Rollovers & Wedding Savings

It’s a Mailbag episode, and Mark’s tackling three real questions from listeners. He shares straightforward guidance designed to help you think through common concerns, so you can make more confident choices with your money. Different situations, same goal: making smart decisions that hold up over time. Here’s what we discuss in today’s show: 🏦 Loan vs Gift: Put agreements in writing to avoid tax and family issues 🔄 401(k) Rollover: More control and flexibility outside your employer plan 💍 Wedding Planning: Start early with a dedicated savings account ⚖️ Fairness Matters: Think through long-term impact on family dynamics Submit your question: https://silverman-associates.com/radio Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

May 7, 2026Episode 22110 min

Are Your Financial Goals Actually Realistic?

Everyone talks about setting financial goals, but not everyone stops to ask if those goals actually make sense. Mark walks through how to define what really matters and build a plan around it. Because the goal isn’t just dreaming big, it’s making sure those goals hold up in the real world. A solid plan gives you clarity, confidence, and a path forward no matter what happens. Here’s what we discuss in today’s show: ⏳ Time Matters: You have a limited window to make goals happen 🎯 Define Your Goals: Clarity drives better financial decisions ⚠️ Unrealistic Expectations: High returns with no risk don’t exist 📊 Know If You’re on Track: A plan shows what’s possible (or not) 🛡️ Plan for Scenarios: Prepare for the worst, hope for the best Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832

April 16, 2026Episode 22011 min

How Emotions Can Derail Your Retirement Plan

We like to think our financial decisions are logical, but money decisions are rarely purely logical. Fear, anxiety, overconfidence, and even headlines can influence choices in ways we don’t always recognize. And when emotions take over, even a solid plan can get thrown off track. Today, Mark breaks down how emotions impact financial decisions and why having a disciplined plan, along with the right advisor, can keep you grounded when it matters most. Here’s what we discuss in today’s show: 📉 Timing Mistakes: Fear leads people to sell at the worst times ⚖️ Right Balance: Emotions aren’t bad, unchecked emotions are 📊 Stay Invested: Missing key days can damage long-term returns 🛠️ Guided Planning: Structure helps reduce emotional decisions 🤝 Fiduciary Role: Why having the right advisor keeps you grounded Want to get in touch with Mark? Web: https://silverman-associates.com/home Email: mark@silverman-associates.com Phone: 520.512.8832